Dr.S.Christina Sheela, Dr.A.Kanmani Joan of Arch and Mr. S. Santhosh (2026) “A Study on Bank Concentration using Herfindahl-HirschmanIndex in Indian Banking Sector”, GSB Insight: Journal of Business and Research, 3(1), pp. 57–72. doi:10.63141/gijbr-V3N1-2026ID43.